USDA and FHA Pro and Con in Beardstown, Cass County, IL
For 2025, the USDA loan limit in Beardstown, located in Cass county of IL, is $336,500. Conversely, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to assess today's leading USDA versus FHA rates and establish the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loan options side by side, guiding you to decide which program in best meets your unique financial requirements.
2025 Loan Limits and Down Payment Requirements in Beardstown, County of Cass, IL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Beardstown, IL
Lendersa® is dedicated to finding you the best possible USDA or FHA loan swiftly and with ease. Choose from one of three initial options that align you with lenders and USDA loan programs.
A USDA home loan, typically called a USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture and is available solely in rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment, offering considerable benefits to eligible borrowers.
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